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Old Second Bancorp Inc (OSBC)

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Upturn Advisory Summary
12/12/2025: OSBC (1-star) has a low Upturn Star Rating. Not recommended to BUY.
1 Year Target Price $22.08
1 Year Target Price $22.08
| 3 | Strong Buy |
| 2 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 5.71% | Avg. Invested days 34 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating ![]() | Upturn Advisory Performance | Stock Returns Performance |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.08B USD | Price to earnings Ratio 13.86 | 1Y Target Price 22.08 |
Price to earnings Ratio 13.86 | 1Y Target Price 22.08 | ||
Volume (30-day avg) 6 | Beta 0.82 | 52 Weeks Range 13.98 - 20.76 | Updated Date 12/15/2025 |
52 Weeks Range 13.98 - 20.76 | Updated Date 12/15/2025 | ||
Dividends yield (FY) 1.16% | Basic EPS (TTM) 1.48 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 24.46% | Operating Margin (TTM) 19.62% |
Management Effectiveness
Return on Assets (TTM) 1.12% | Return on Equity (TTM) 9.25% |
Valuation
Trailing PE 13.86 | Forward PE 8.6 | Enterprise Value 1250165760 | Price to Sales(TTM) 3.74 |
Enterprise Value 1250165760 | Price to Sales(TTM) 3.74 | ||
Enterprise Value to Revenue 4.32 | Enterprise Value to EBITDA - | Shares Outstanding 52669224 | Shares Floating 50662527 |
Shares Outstanding 52669224 | Shares Floating 50662527 | ||
Percent Insiders 4.73 | Percent Institutions 70.3 |
About Old Second Bancorp Inc
Exchange NASDAQ | Headquaters Aurora, IL, United States | ||
IPO Launch date 1995-08-18 | President, CEO & Chairman of the Board Mr. James L. Eccher | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 877 | Website https://www.oldsecond.com |
Full time employees 877 | Website https://www.oldsecond.com | ||
Old Second Bancorp, Inc. operates as the bank holding company for Old Second National Bank that provides community banking services in the United States. The company offers deposit products, including consumer and business checking, NOW, money market, savings, and other time deposit accounts, as well as certificates of deposit and individual retirement accounts. It also offers lending products, such as commercial and industrial loans; commercial real estate loans; multifamily loans; construction and development loans; residential real estate loans, such as residential first mortgage and second mortgage loans; home equity lines of credit; consumer loans, including motor vehicle, home improvement, and signature loans; installment and agricultural loans; lease financing receivables and overdraft checking; and safe deposit operations. In addition, the company provides online and mobile banking; corporate cash management products, including remote and mobile deposits capture, investment sweep accounts, zero balance accounts, automated tax payments, automatic teller machines access, telephone banking, lockbox accounts, automated clearing house transactions, account reconciliation, controlled disbursement, detail and general information reporting, foreign and domestic wire transfers, and vault services for currency and coin; and investment, agency, and custodial services for individual, corporate, and not-for-profit clients. The company was founded in 1871 and is headquartered in Aurora, Illinois.

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